Beach towel convertible to a tote bag



FIG. 1 is a top plan view of a beach towel convertible to a tote bag showing my new design;

FIG. 2 is a bottom plan view thereof;

FIG. 3 is a front elevational view thereof, the rear and adjacent sides being identical in appearance; and,

FIG. 4 is a side elevational view thereof, taken in the direction of arrows 4--4 FIG. 1, the sides opposite and adjacent being identical in appearance. 

The ornamental design for a beach towel convertible to a tote bag, as shown and described. 